Affordable Health Insurance How to Travel without worries,Alcohol rehab, flood insurance

Most travelers spend considerable effort and time planning the ideal vacations, but frequently overlook the significance of obtaining medical travel insurance. Travelers are more susceptible to accidents and illnesseswhen they’re traveling overseas and there’s no sure way of preventing unfortunate occurrences from arising. Although this policy can’t help you avoid misfortunes throughout your travels, it provides consolation in the form financial compensation, which can be extremely useful in some situations. Here’s a list of reasons why you need to invest in this financial product before traveling. Although this policy can’t help you avoid misfortunes throughout your travels, it provides consolation in the form financial compensation, which can be extremely useful in some situations. Here’s a list of reasons why you need to invest in this financial product before traveling. 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Medical Travel Insurance | How to Travel without worries

Most travelers spend considerable effort and time planning the ideal vacations, but frequently overlook the significance of obtaining medical travel insurance. Travelers are more susceptible to accidents and illnesseswhen they’re traveling overseas and there’s no sure way of preventing unfortunate occurrences from arising.

Although this policy can’t help you avoid misfortunes throughout your travels, it provides consolation in the form financial compensation, which can be extremely useful in some situations. Here’s a list of reasons why you need to invest in this financial product before traveling.

Although this policy can’t help you avoid misfortunes throughout your travels, it provides consolation in the form financial compensation, which can be extremely useful in some situations. Here’s a list of reasons why you need to invest in this financial product before traveling.

Financial Recovery

It offers monetary recovery for incurred health expenses due to illnesses and accidents. Bear in mind that medical treatment is very expensive in some nations and you could end up spending tens of thousands in the event that you sustain severe injuries. With this policy, you can obtain reimbursement for the amount you spend on medical treatment.

Protection against Trip Interruption and Cancellation

When an emergency occurs during or before a vacation, you might need to cut your trip short or cancel it. Medical travel insurance ensures that you obtain compensation from the losses that arise from trip interruption or cancellation. Furthermore, you’ll be covered for loss of personal belongings or baggage.

What it Covers

• Personal Liability

This seeks to offset settlements incurred for 3rd party injuries and any losses or damages to their personal property that you might have caused. This benefit can be hard to understand, so pay attention to the policy’s wording if it’s incorporated in your policy.

• Outpatient and Inpatient Treatment

One of the biggest advantages of this policy is that it covers the cost of a doctor’s visit or hospitalization.

Alcohol rehab insurance

There is nothing that comes out better for people struggling with alcohol addiction than knowing that your insurance provider will be able to cater for the costs of rehabilitation facilities. For the longest time, this type of addiction has lacked the attention it deserves when it comes to matters treatment, and signing up for a policy that will assist in its treatment is quickly becoming popular owing to the high rise in the problem among many Americans. The following are some of the best insurance policies that are currently offering assistance for alcohol rehabilitation that will work for you or your loved ones;

It is no doubt one of the biggest insurance providers in the country, and hence, one of the cheerleaders in the alcohol rehabilitation plans. Accepted in all states, BCBS will help you choose a rehab center that offers excellent services at a reasonable cost. Their various plans determine how much they cover for your treatment.Blue Cross Blue Shield

Aetna

They provide either partial or whole coverage for alcohol addiction treatment. How much they cover is wholly dependent on your plan, location, as well as the rehab center.

Humana

Humana provides coverage, either partial or whole, depending on your plan. Their coverage includes inpatient, outpatient or residential treatments. Provided your needs meet the treatments as mentioned earlier, the plan you choose will decide how much Human pays.

Other insurance companies include Health Net, Beacon Health Options, United Healthcare, and Cigna among others, whose coverage, either partial or whole, depends on your plans after deductibles.

Do you need flood insurance?

For many, flood insurance when living in a high risk area. To them, only natural disasters can lead to flood damage. However, it should be noted that you do not need to live in a high risk area in order t get flood insurance. In recent times, there have been hurricanes that have affected many American homes and led to questions about flood insurance.

You may need flood insurance if. Your home is worth more than $250,000. In this cae, you may even need both public and private insurance. Public insurance is provided through NFIP (National Insurance flood cover). Most insurance companies offer this kind of insurance alongside private insurance. Private insurance has the advantage of covering more issues. However, NFIP is cheaper due to government subsidies.

You may also need flood insurance if you plan on building or having any kind of property in a high risk area. In order to determine what is best for you, you should talk with the insurance provider and the people selling the property.

Comparing policies is more than simply looking at price tags, too. It’s important to look at customer satisfaction ratings, coverage limits, and deductibles when choosing the company that will protect you as a California driver. In this article, we are going to take you through everything you need to know about acquiring an auto insurance policy in the state of California. We will talk about what the law requires you to hold in the form of policy coverage, as well as the factors that will impact your premiums, the companies that are most likely to serve you best, and the impacts of driving with little or no coverage. By the end of this article, you should not only have an excellent idea of exactly what you need from your next auto insurance company, but where to look when you’re ready to buy. Compare Car Insurance Plans in California Our Top Five Picks for the Best Car Insurance in California If you’re looking for auto insurance in the Golden State, you have a number of options. Keep in mind that your rates will vary depending on the coverage you choose, your personal driving record, and even your location. Based on our research and consumer ratings, here are our top picks for your next auto insurance policy: Best Overall Satisfaction: Esurance Best Customer Service: Mercury Lowest Premiums: Mercury Great If You Have a Perfect Record: AAA Best If You Have a Less-Than-Perfect Record: Mid-Century (Farmers) California Auto Insurance Requirements Here is a look at your legal requirements for minimum auto insurance coverage in the state of California. These include both bodily injury and property damage liability coverage. Bodily injury liability coverage pays for any injuries that you may cause to someone else. Keep in mind that if multiple people are injured, your total bodily injury coverage will be split between the parties. Property damage liability coverage pays for any damage caused to someone else’s property, for which you are responsible. This may include other vehicles, structures/buildings, or objects. You’re welcome to choose a policy that provides additional coverage, of course, but these are the minimum amounts of liability coverage that you are required to hold in order to drive in the state. Coverage Type Minimums Bodily Damage Liability Death or injury of one person in any one accident $15,000 minimum Death or injury of 2+ people in any one accident $30,000 minimum Property Damage Liability $5,000 minimum California also allows drivers to self-insure, if they’d rather bypass a liability insurance policy through another company. In order to self-insure as a driver in California, you’ll need to prove financial responsibility to the state. You’ll receive a self-insurance certificate issued from the DMV, which usually requires a $35,000 cash deposit. You can also obtain a surety bond for the same amount, from a company licensed to do business in the state. To learn more about self-insuring in California, contact the state DMV’s Financial Responsibility Unit. Penalties If you do not hold at least a liability coverage policy, you are unable to register your vehicle in California. You are also considered “uninsured” and, as such, are unable to legally drive a motor vehicle in the state. If you get pulled over and cannot present proof of valid liability coverage when asked, you’ll be ticketed for being an uninsured driver. The fine for this ranges from $100-200 for the first offense, plus court costs. Subsequent offenses bring with them penalties between $200-500 each, plus court costs. If you don’t actually have coverage that meets the state’s required minimums, there’s also a possibility of your vehicle being impounded and your driver’s license suspended. This is in addition to the fines for being unable to produce valid proof upon request. If you get in an accident and aren’t carrying the minimum liability insurance–regardless of whether the wreck is your fault or the other driver’s–you’re looking at some pretty serious consequences. Keep in mind that these are in addition to being responsible for the cost of any damages and injuries for which you’re at fault (which could financially ruin you, were you to be sued for your assets!). First off, if you’re in an accident and are uninsured/underinsured at the time, your license is likely to be suspended. This penalty could last for up to four years. In some cases, you can have it reinstated after 12 months by acquiring valid auto insurance and paying a license reinstatement fee to the DMV. On top of that, you’ll now be required to carry a pricey SR-22 insurance policy in addition to your regular policy, and also obtain an SR-22 Proof of Financial Responsibility certificate. Proof of Insurance Simply having a policy with the minimum required coverage isn’t enough. You actually need to carry proof of that coverage with you every time you’re behind the wheel. In California, you are required by law to carry proof of insurance. This may be in the form of an insurance card, which the company may mail you or provide online for you to print out. Some companies also provide a mobile app, from which you’ll be able to pull up a digital version of your insurance card. While this is handy, you should probably also keep a hardcopy version in your vehicle, just in case. Your proof of insurance card will include the policy number, name of the policyholder, all vehicles covered under the policy, and the dates of valid coverage. Insurance companies will report to the DMV if you stop paying your auto insurance premiums. So, even if your insurance card still shows a valid date, if your payments have lapsed and you get pulled over, the officer will know. California also allows you to self-insure, as mentioned above. If this is the case, you’ll need to carry your proof of cash deposit or surety bond. Contact the state’s DMV to learn more about self-insuring options and requirements. Average Cost of Coverage in California Ever wondered how your own coverage cost compares to others in your state. Well, if you live in California, here’s how your policy measures up. According to QuoteWizard, the average total cost for coverage in the Golden State is $814.82, which equates to $67.90 a month. This breaks down to an average annual cost of $482.18 for liability coverage, $374.31 average for collision coverage, and $98.73 average for comprehensive coverage. Coverage Rates Liability $482.18 Collision $374.31 Comprehensive $98.73 Total Cost Per Year $814.82 Price Per Month $67.90 Of course, your actual policy cost could vary greatly depending on many factors. These could include your personal driving record, age, location in the state, what kind of car you drive, and whether you qualify for any discounts. Cheapest Car Insurance in California As you can expect, insurance rates have a wide range based on each insured individual. It’s hard to compare companies when looking for the one with the “cheapest rates,” since averages include 18-year-old male drivers with sports cars just as much as they include 35-year-old women with minivans (and everyone in between). However, we took the time to compare some of the more popular companies, to see how they measured up in the state of California. They were pitted against one another with the same search criteria. Our sample policyholder was a single male, age 30, with a clean driving record. He lives in the Sacramento area and drives a 2013 Chevrolet Malibu. Here’s how some of the most popular companies measured up: Insurance Company Annual Premium Mercury $504 California Capital $684 Unitrin $720 Allstate $732 Nationwide $816 Allied $816 State Farm $840 Farmers $1,020 Esurance $1,138 Bristol West $1,488 Let’s take a look at how our same example guy would fare if he instead lived in Los Angeles: Insurance Company Annual Premium Mercury $588 California Capital $684 State Farm $720 Nationwide $972 Allied $972 Allstate $1,008 Unitrin $1,080 Farmers $1,140 Esurance $1,256 Bristol West $1,920 Your results may vary based on your specific zip code. However, if you live in California, you can probably bank on California Capital and Mercury being two of your cheapest insurance providers in the state. Cost of Auto Insurance in California “How much does auto insurance cost in California?” is a question with literally hundreds of answers. It depends on so many variables, including: Age Gender Marital status Driving record Education Vehicle(s) covered Whether your vehicle is financed, leased, or paid in full ZIP code Whether you own or rent your home Miles driven each year and the purpose of those miles (work commute, pleasure, etc.) How much coverage is desired There would be no way to precisely answer that question without knowing your individual factors. As mentioned above, though, the average cost of an auto insurance policy across the entire state of California is about $815 a year. Let’s narrow that down a bit further, though, and see if we can give a better idea of how much you can expect to pay in the state. We will compare four different “profiles” and see how our auto insurance quotes change. Our Subjects All four of our example drivers live in ZIP code 95338, which is one of the lower-cost auto insurance areas in the state. Keep in mind that ZIP codes in cities like San Diego, Los Angeles, or Sacramento could potentially be much, much higher.